homer

I guess I don't get why the brothers would go and post that publicly?

You didn't mention Jeff Pickler and that makes me sad.

People can blame kids for not being financially literate but there are a TON of baby boomers with minimal retirement savings and a mountain of credit card debt. People in their mid 40's to mid 50's have the highest credit card balances of any age group. Credit card debt appears to peak for individuals who are between 45 and 54 years old - $9,096. Some of our surveys have shown that this group tends to be among the largest credit card spenders – likely due to the budgets they are operating with. Recent studies have shown this age cohort (commonly referred to as “Baby Boomers”) controls the largest portion of America’s disposable income. Millennials and individuals over 74 years old held the least credit card debt. These two groups are also among the least likely to have a credit card, which can serve as a potential explanation behind the trend we are seeing here. https://www.valuepenguin.com/average-credit-card-debt#by-age

Aaron Rodgers donated $1 million to California wildfire recovery. https://www.washingtonpost.com/sports/2018/11/21/aaron-rodgers-donates-million-california-wildfire-recovery/?noredirect=on&utm_term=.4dc66ef91ed1

I think he's an OK coach. His teams don't quit and they are well prepared. Where he falls short is in-game decision making. As an aside, Bob McGinn is really giving it to Rodgers on his site this season. Either he sees all the talent and wants him to be better or he just doesn't like the guy.

Let's get the topic back to the retirement question. We do have a political board (https://www.tapatalk.com/groups/brewerfanpoliticalscene/) in case anyone wants to delve further into the union discussion.

We are treading very close to political waters so I would just ask everyone to be cognizant of that while posting. Interesting discussion thus far.

I think the wealth disparity thing is complex and probably has a number of causes. Executive pay, for example, used to be something like 20x the average wage of the rank and file employees back in the 50's. Now it's like 350x. So adjusting for inflation, CEO pay has increased like 1000 percent since the 50's while average wages have more or less stagnated. I'm not advocating anything here...just pointing out one of the potential reasons for increased wealth disparity. Article: https://www.forbes.com/sites/dianahembree/2018/05/22/ceo-pay-skyrockets-to-361-times-that-of-the-average-worker/#6c51c95d776d

He has kind of a funky delivery so I can see why he'd maybe have elbow issues

Apparently he's drawing a ton of interest. I'm guessing the Brewers have kicked the tires. What would you pay to get him?

Sadly this is true. There are some subjects that are over emphasized in school and yet this is one subject that is clearly not communicated enough, if at all. My son frequently complains about how simple money skills are not taught in primary education. I work in the financial industry and the company I work for is heavily involved in a Milwaukee organization called Secure Futures (formally called Make a Difference). The organization's goal is to teach financial literacy to teens. One of the ways it does this is by sending volunteers form the financial community into schools to educate students on a range of different real life personal finance lessons. There were never any personal finance classes when I was in school in the 80's. We had accounting as an elective but it was balance sheets and general ledger type of stuff. My education came after college when I got a job answering phones at a mutual fund company. During slow times I'd pick up the WSJ Guide to Investing and read.

It is very possible that Yelich improves on last year's first half numbers while regressing on the second half numbers thereby ending up in roughly the same place overall.

Yup. Last year will probably be the best offensive year of his career. His rate stats from the first half of last year were only slightly better than his career line, but still well above average. It's not a knock of Christian at all, he was simply hitting at a level that can't be maintained by anyone. All the bandwagon fans that jumped on around September are going to be disappointed that he's not prime Barry Bonds for all 162 games every year. There were bandwagon fans in September?

Watching New Orleans.....Drew Brees takes three steps, sets, and throws the ball. Literally every single time.

Oh that's true. I didn't have air conditioning in my dorm. You think that would fly nowadays? No chance. You can probably say the same thing about health care - not anywhere near the only reason for the astronomical costs but it has an impact. My kids didn't have air conditioning or the option of air conditioning at UWSP (he graduated in 2018) or UWEC (she's a senior now). I don't think all the state schools offer AC in their dorms. They may not. I think I assumed most had started to do so since Madison built that palace on near the Lakeshore dorms. I thought it was a hotel when I drove by last summer.

Oh that's true. I didn't have air conditioning in my dorm. You think that would fly nowadays? No chance. You can probably say the same thing about health care - not anywhere near the only reason for the astronomical costs but it has an impact.

I don't think anyone foresaw this kind of season from Yelich even those that liked the trade.

I'm ignoring the first half last night That third quarter was ridiculous. 46 points? Bucks might score 160 this year at some point.

Blackout thing? I live in Chicago and watched it via antenna.

Yeah I was going to mention the millenials but my post was getting long in the tooth I think some people over value the two income home. The see the income and not the associated costs - daycare, extra car, gas, getting take out by necessity, etc. etc. Sometimes you are actually losing money with a second income if you aren't making enough or, more likely, aren't making enough money to make it worth your while. The ideal would be to have one parent work at home with flexible hours. Easier said than done obviously.

Kluber will be 33 next April. That would be a risky trade for any team. I'd pass. Carrasco is gonna be 32 in March. Probably pass on him as well.

If you have two earners making $16 an hour in a household, you make enough to save. Now if you are a single parent, that would be a problem obviously. That's barely above median household income. It's $66k per year, which is not even close to the inflation adjusted salary for a comparable job 40 years ago. It can be done with a frugal lifestyle, but that wasn't my point. Two children in daycare can cost upwards of $2k a month. And we haven't touched the potential of having a student loan. The point was that it was far easier to have an average life in the past. My dad has friends who paid for UW by working at a bowling alley in the summer. I'm a conservative and well above median income but it annoys me when people explain our economic state with one liners about people today being lazy or buying too much stuff. It's simplistic and lazy and ignores the vast issues we have in our economy. I think you are right in some respects (education costs have far outpaced inflation, and housing costs have skyrocketed) but you could also argue it was easier to live an average life in the past BECAUSE our parents/grandparents were more frugal (sometimes by choice and sometimes just because they didn't have another option). Homes are way bigger than they used to be. Average size of a new home in 1979 was 1760 sq ft. In 2014 it was 2657 sq ft. People spend between $100 - $200 on cable tv, cellphone bills are $50 - $100, high speed internet is also $50 - $100 a month. Back in the 80's there were no such things. You paid like $13 a month for cable if you even had it, and you waited until after 7pm to make a long distance call because it was cheaper. People didn't go out to eat anywhere near as often as they do now. That was a weekend thing. So I agree that yes there are economic pressures that didn't exist 30 years ago but there are also cultural changes that have taken place that add to the burden.

I mean the best QB's miss open guys every once in a while. The troubling thing to me is how inaccurate he's been. He was pretty average for a lot of 2016 too and then turned it around. I'm not sure how much has to do with lack of trust with the new receivers or what.

They were inside their own 35 yard line - you don't make it, you likely give up points. Scott then hit a 67 yard punt (why they drafted him - six punts for 47 yard average, zero returns). However, it is kind of foolish to expect your defense to stop the #1 rushing attack when you are without Daniels and Clark. And Wilson ALWAYS keeps in on one of the RPO plays at the end of games to seal it. Every. Time. They only had one timeout. They couldn't stop the clock.

Regardless, it was a huge play that would have been 4th down had it been reversed instead of a 30+ yard gain (or whatever it was). Even with only one timeout it still should have been challenged...and only having one timeout was probably the reason he didn't do it. Also only having one timeout is infuriating as it stems solely from the fact that they can't get plays in fast enough.